Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$123,388Cash toward the purchase price.
Closing costs + prepaids$11,197Not just lender fees.
Before credits & paid funds$134,584The complete starting cash picture.
Estimated remaining funds due at closing
$134,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,387.57
Your down payment$123,387.57
Closing costs + prepaids$11,196.92
Total buyer cash needed$134,584.49
Remaining funds due$134,584.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,477.50
Initial HOA (3 months)$43.50
Prepaid interest, first (27 days)$550.92
Fees + prepaids$11,196.92
Your down payment is the seller’s equity. You take over the $166,612 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $134,584.49 is due at closing. Uses and sources reconcile at $301,196.92 each. Not a Closing Disclosure.